What C6 Bank does

C6 Bank (legal name: BANCO C6 S.A.) is a Brazilian digital-only neobank founded in 2018 and headquartered on Avenida Nove de Julho in São Paulo's Jardim Paulista district. The bank operates with no physical branches, distributing all products through a mobile app (iOS and Android) and a downloadable Web Banking desktop client for Windows and macOS (including Apple Silicon). C6 Bank serves individual consumers (Pessoa Física), micro-entrepreneurs (MEI), and small and mid-sized businesses (Pessoa Jurídica) through a unified digital platform, reaching more than 40 million customers as of 2025 and generating R$2.5 billion in net profit for the year.

The product architecture follows a platform-plus-modules model: a core digital checking account anchors the app, layered with six credit card tiers (C6, C6 Platinum, C6 Black, C6 Carbon, C6 Graphene World Legend, and C6 Business), the C6 Conta Global multi-currency account (USD/EUR) paired with the C6 Global Invest offshore investment platform, a domestic C6 Invest platform covering CDBs, funds, equities, and pension products, merchant acquiring via C6 Pay plus Tap to Pay on Android, toll/parking tags (C6 Tag), insurance products (life, tag, account protection), personal loans, consignment loans, auto financing, home equity, a non-expiring C6 Átomos rewards program with a 50,000+ product C6 Store marketplace, and an AI-powered C6 Assistant chatbot. Distinctive technical components include geolocation-based fraud protection (Locais Seguros), Pix instant payment integration, and free JPMorgan ATM withdrawals in the US via the partner bank.

The business model monetizes across credit card annual fees (ranging from free to R$3,960 for Graphene, with most tiers waivable on spending or investment thresholds), interest income from personal loans, overdraft, and Limite Garantido CDB-backed credit (where every R$1 invested becomes R$1 of credit limit at 102% of CDI), FX spreads on international transfers (0.7%-0.9%), investment product distribution fees, merchant acquiring fees, insurance commissions, and BNPL installment revenue. JPMorgan Chase holds a 40% strategic stake (announced an increase to 46% in July 2024 pending regulatory approval) and provides capital backing, brand credibility, and global infrastructure access. C6 Bank is rated A+ (bra) by Fitch and BrAA- by S&P on the Brazilian national scale, holds an Anbima self-regulation seal for investment distribution, and is LGPD-compliant; it is valued at approximately US$5.1 billion as a Brazilian unicorn.

Name

C6 Bank

Legal name

BANCO C6 S.A.

Website

https://c6bank.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

C6 Bank is a Brazilian digital-only neobank offering checking accounts, six credit card tiers, international USD/EUR accounts, investments, lending, merchant acquiring, and insurance to 40M+ retail, MEI, and small business customers via its mobile app and Web Banking desktop client, with JPMorgan Chase as a 40% strategic shareholder.

Ownership category

akta.pro rank

Product category

Digital Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

Retail-focused Neobanks (Mass Market) (FSABAFAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Digital retail banking
• Credit card services
• International money transfers
• Investment platform
• Merchant payment processing

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Credit Card Fees: Annual fees (anuidade) from credit cards including C6, C6 Platinum, C6 Black, C6 Carbon, and C6 Graphene. Different fee structures with waivers based on spending or investment thresholds.
2. Interest Income: Interest earned on personal loans, credit limits, and overdraft facilities. Includes loan products like Empréstimo Pessoal and Cheque Especial.
3. International Transaction Fees: Fees from wire transfers, currency exchange spreads (0.7%-0.9%), and ATM withdrawals for international accounts. Revenue from C6 Conta Global services.
4. Investment Products: Revenue from investment platform including CDBs, funds, and other financial products distributed to customers.
5. Merchant Services: Fees from C6 Pay payment terminals for merchants, including transaction fees and settlement services.
6. Insurance Products: Commissions from insurance products offered including life insurance, car insurance, and tag insurance.
7. C6 Store: E-commerce marketplace with over 50,000 products available for purchase with points or cash

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

C6 Bank is a Brazilian digital-only neobank delivering a full suite of retail banking services through its mobile app and web platform. Core offerings include digital checking accounts (Pessoa Física and PJ/MEI), a multi-tier credit card portfolio (C6, Platinum, Black, Carbon, Graphene, Business), the C6 Conta Global multi-currency international account, lending products (personal, auto, home equity, consignment, debt consolidation), an investment platform (C6 Invest and C6 Global Invest), insurance, the C6 Pay merchant acquiring solution, and the C6 Átomos non-expiring rewards program.

Product overview

C6 Bank is a Brazilian digital bank (neobank) that operates as a multi-product financial services platform structured around a core digital checking account (Conta Digital), supplemented by an extensive portfolio of credit cards, international banking, investment platforms, lending products, insurance, merchant payment services, and loyalty programs. The product architecture follows a platform-plus-modules model: the Conta Digital and C6 Invest apps serve as the primary client-facing platforms, with specialized products layered on top — including six credit card variants (C6, C6 Platinum, C6 Black, C6 Carbon, C6 Business, and the ultra-premium C6 Graphene World Legend Mastercard), the C6 Conta Global multi-currency international account (USD/EUR) paired with the C6 Global Invest offshore investment module, the C6 Átomos non-expiring rewards program with accelerator plans, C6 Pay merchant acquiring and Tap to Pay acceptance, C6 Tag toll/parking RFID tags, insurance products (life, auto, account protection), C6 Auto vehicle financing, home equity loans, consignment loans, C6 Yellow (minors' account), C6 Store e-commerce marketplace, and the AI-powered C6 Assistant for 24/7 support. Business and MEI customers are served through dedicated C6 Conta PJ/Empresas accounts and the Web Banking desktop application. The bank is a minority-owned subsidiary of JPMorgan Chase (40% stake as of 2024) and had 40 million customers as of early 2026.

Differentiator

Problem solved

Functional benefit

Brands

• C6 Carbon: Premium Mastercard Black card offering up to 3.5 points per US$ spent, airport VIP lounge access, and exclusive benefits for high-net-worth clients.
• C6 Black
• C6 Platinum
• C6 Graphene
• C6 Conta Global
• C6 Invest
• C6 Global Invest
• C6 Yellow
• C6 Tag
• C6 Pay
• C6 Store
• C6 Business
• C6 Átomos

Products and services

• C6 Conta Digital (Digital Checking Account) A full-service digital checking account with zero opening or maintenance fees for card spenders, offering payments, transfers, Pix, loans, and insurance within a single mobile app. Serves individual (Pessoa Física) customers in Brazil.
• C6 Conta PJ / Empresas (Business Account) Digital business checking account for companies and MEIs (micro-entrepreneurs), providing business-specific features such as bulk payments, salary disbursements via Pix, webhook-based integrations, and Web Banking desktop access alongside the mobile app.
• C6 Credit Card (Standard) Entry-level credit and debit card with zero annual fee, non-expiring points accumulation via C6 Átomos program, contactless (Aproxime e Pague) payments, virtual card for online security, and compatibility with Apple Pay, Google Pay, and Samsung Wallet.
• C6 Platinum Mastercard Mid-tier Mastercard Platinum credit and debit card with zero annual fee, up to 0.45 pt/R$1 on credit, complimentary C6 Tag for tolls and parking, up to 10 additional cards, and full Mastercard Platinum benefits including travel assistance and concierge services.
• C6 Black Mastercard Entry-level Mastercard Black credit card offering up to 2.5 pts/US$1 on credit spending, up to 1.2% cashback, and up to 10 free additional cards. Annual fee R$600 (12x R$50), waived for spending ≥R$3,500/month or investments ≥R$20,000. Includes complimentary C6 Tag.
• C6 Carbon Mastercard Black Premium Mastercard Black credit card offering up to 3.5 pts/US$1 on credit spending, unlimited VIP airport lounge access worldwide, up to 10 free additional cards, complimentary C6 Tag for up to 4 vehicles, and an exclusive C6 Conta Global with no opening fee. Annual fee R$1,176 (12x R$98), waived for spending ≥R$8,000/month or investments ≥R$50,000.
• C6 Business Card Business debit and credit card for MEI and corporate customers, with no annual fee, up to 10 free additional cards, virtual card support, online debit capability, and integration with C6 Pay POS terminals. Designed to separate business and personal expenses.
• C6 Graphene World Legend Mastercard Ultra-premium Mastercard World Legend metal card targeting high-net-worth clients (R$5 million+ in investments). Offers up to 8 pts/US$1 on international credit purchases, 5 pts/US$1 on domestic purchases, unlimited VIP lounge access worldwide, complimentary Dining Club Taste of Priceless access, MasterAssist World Legend travel insurance (USD 1 million coverage), and a dedicated Graphene Partner for 24/7 white-glove service. Annual fee R$3,960 (12x R$330), waived for investments ≥R$5 million.
• C6 Conta Global International multi-currency account (USD and EUR) integrated into the C6 Bank app, offering 24-hour currency exchange with 0.7% spread on remittances, wire transfer support, free withdrawals at JPMorgan Chase ATMs in the US, and acceptance in 190+ countries. Zero maintenance fees. Includes C6 Global Invest for dollar-denominated fixed income and US stock exposure.
• C6 Invest Domestic investment platform within the C6 Bank app offering CDBs (including the Limite Garantido product), stocks, investment funds, private pension (previdência), and structured products. Managed in the same app as the checking account for seamless financial management.
• C6 Global Invest Offshore investment platform accessible within the C6 Bank app, allowing clients to invest in dollar-denominated fixed income (CDBs), US stocks (Nasdaq, NYSE), and international funds. Minimum transfer from C6 Conta Global of US$100, with zero transfer fees to and from the C6 Conta Global.
• Empréstimo Pessoal (Personal Loan) Digital personal loan offered through the C6 Bank app with transparent rates, fixed monthly installments, and same-day funding upon approval. Includes the Empréstimo Na Medida (debt consolidation loan) for combining Cheque Especial, personal credit, and card debt into a single lower-rate product.
• C6 Auto Digital auto financing product for cars and motorcycles, offering instant approval decisions and direct debit from the C6 Bank account. Processed entirely within the mobile app.
• C6 Pay All-in-one merchant payment terminal (card machine) and QR code payment acceptance solution for C6 Bank business customers. Supports card payments, QR code Pix, and same-day settlement (D+1). Also enables Tap to Pay on the merchant's own Android phone at no additional cost.
• Seguros C6 (Insurance Products) C6 Bank offers a suite of insurance products including Seguro C6 Vida (life insurance from R$12/month with funeral assistance), Seguro C6 Tag (road insurance for toll roads and Veloe parking from R$15/month), and Seguro C6 Conta (account protection covering Pix, withdrawals, and card fraud). Products are distributed through the C6 Bank app.
• C6 Yellow Digital bank account and debit card designed for children and teenagers, managed by a parent/guardian through the C6 Bank app. Includes a dedicated app for the child and real-time parental monitoring of spending.
• C6 Web Banking (Desktop Application) Desktop banking application for Windows and macOS (available for both Intel and Apple Silicon Macs) providing business account management, bulk payments, salary disbursements, investment management, and card controls. Offered as a downloadable client application rather than a web browser interface.
• C6 Átomos (Loyalty/Rewards Program) C6 Bank's loyalty and rewards program offering non-expiring points (Átomos) that can be redeemed for cashback, airline tickets, products in the C6 Store (50,000+ items), program transfers (Livelo, Latam Pass, Smiles, TudoAzul, TAP), CO₂ carbon offsets, and bill payments. Includes accelerator plans that boost point earning rates.
• C6 Tag Toll and parking RFID/NFC tag accepted at highways and parking lots across Brazil, with automatic debit from the C6 Bank account. Complimentary on C6 Platinum (1 tag), C6 Black (1 tag), and C6 Carbon (up to 4 tags), with additional tags available.
• C6 Store E-commerce marketplace within the C6 Bank app offering 50,000+ products from major brands, purchasable with C6 Átomos points or in installments up to 10x, with delivery to the customer's address.
• Home Equity (C6 Imobiliário) Secured personal loan using real estate property as collateral, offering lower interest rates than unsecured credit. Available through a dedicated portal (c6imobiliario.com.br) integrated with the C6 Bank ecosystem.
• Empréstimo Consignado (Payroll Loan)

Quantifiable outcome

• C6 Bank achieved R$ 2.5 billion net profit in 2025
• +5 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature10 records

Partnerships

One partnership is on record.

• J.P. Morgan Asset ManagementcoreStrategic or Co-development PartnerC6 Bank partners with J.P. Morgan Asset Management to offer investment products to C6 Graphene clients, providing exclusive investment products and services for high-net-worth customers.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BTG Pactual Digital: Brazilian investment-led bank's digital retail arm offering accounts, cards, investments, and wealth services; comparable to C6 Invest / C6 Carbon wealth proposition with deeper investment-bank pedigree.
• XP Inc. Brazil's largest independent investment platform with credit cards, insurance, and wealth services; overlaps with C6's premium investment and card offerings (C6 Carbon / Graphene) at the high-net-worth end.
• Banco PAN: Brazilian mid-sized bank owned by BTG Pactual focused on consumer credit, payroll-deducted loans, and digital accounts; comparable to C6 on consumer lending and digital banking, but with a heavier traditional-banking footprint.
• Itaú Unibanco: Brazil's largest private bank with digital account (iConta), credit cards, investments, and insurance; competes with C6 across the entire stack but with a far larger physical and corporate franchise.

Emerging players

• Will Bank: Brazilian digital bank focused on consumer credit, cards, and payroll-deducted products; partial overlap with C6's lending and card stack with a more credit-led positioning.

Direct peers

• Nubank: Latin America's largest neobank with 100M+ customers in Brazil, offering a near-identical digital checking, credit card, lending, and investment stack via mobile app; the dominant competitor C6 directly competes against in mass-market and premium segments.
• Banco Original: Brazilian digital bank serving individuals and SMEs with digital accounts, cards, agribusiness lending, and investments; comparable to C6's digital-first SME/MEI and individual banking coverage.
• Neon Pagamentos: Brazilian digital bank originally spun out of Banco Votorantim offering digital accounts, debit/credit cards, lending, and investments focused on underbanked consumers; closely comparable to C6's core mass-market digital account proposition.
• Inter & Co (Banco Inter): Brazilian super-app bank combining checking, credit cards, investments, insurance, and a marketplace (Inter Shop) for individuals and SMEs; overlaps with C6 on multi-product digital banking, card tiers, and international account offerings.
• PicPay: Brazilian digital wallet and digital bank offering checking accounts, cards, payments, loans, and a marketplace; directly comparable to C6 on consumer payment and banking experience, though with stronger payment-network DNA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/c6bank
• Facebookfacebook.com/C6bank
• LinkedInlinkedin.com/company/c6-bank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about C6 Bank